A Conditional Sale car finance agreement is very similar to a Hire Purchase agreement, except that you automatically own the car once you have made all of your repayments. This means as soon as you sign the contract you are the owner of your new car!

You can either put down a deposit or offer your current car as a part-exchange, and once the finance company have paid the dealership, you will be ready to collect your car.

Benefits of a Conditional Sale car finance agreement:

✓ Monthly repayments are usually smaller

✓ Can benefit from a smaller initial deposit

✓ Repayments are fixed at the same amount for the whole term

✓ No Option to Purchase fee at the end of the term 

How do I apply for car finance?

form icon Fill out our quick and easy online application form.

thumbs up icon Once you’ve been accepted with one of our lenders, you are free to choose a car.

Car Icon Agree to the terms of your finance agreement; once you’ve signed your documents you’re free to drive away!

Let us find you the best finance deal

Why choose Refused Car Finance?


✓ We charge no customer fees

✓ We approve 98.4% of applicants!

Quick online application

No deposit plans available

Good credit, bad credit or no credit history all welcome!

Hand giving car keys in front of red car
View our fantastic range of cars from a selection of dealers that we work with across the country. 
Refused Car Finance Reviews

4.87 Average

173 Reviews

Refused car finance in particularly Paige and Daniel have been absolutely fantastic. They have answered all my questions clearly and have made the whole process incredibly easy. They have kept me informed at every stage of the application and made me feel a very special customer. Thank you for all your help. I would recommend Refused Car Finance to any one that may believe they will have difficulties obtaining credit for a car. If you are very fortunate you may deal with Paige or Daniel. Thanks you have been amazing.

Fantastic service seamless process very impressed with the quick and efficient service given by Dan

AMAZING!! Dan Rowsell is the best, nothing was an issue & he made everything so easy!! Thanks Dan!!